Lydia Matete

Working closely with/ both the customers and the sales team to help drive new and used car sales, When working with customers, I interview the clients to understand their needs, ensures they complete applications correctly and advises them on the best solutions for their situation. I also help them fully understand all of the options, so they know what they’re agreeing to. Work closely with lenders and companies that provide extended warranties and other programs that car buyers might need.

Compliance is a large part of the job since all car loans and leases must meet financial regulations.

Finance & Insurance Manager at Nissan Motordeal (2023-07 – 2026-05)

Working closely with/ both the customers and the sales team to help drive new and used car sales, When working with customers, I interview the clients to understand their needs, ensures they complete applications correctly and advises them on the best solutions for their situation. I also help them fully understand all of the options, so they know what they’re agreeing to. Work closely with lenders and companies that provide extended warranties and other programs that car buyers might need.

Compliance is a large part of the job since all car loans and leases must meet financial regulations.

• Strong mathematical and finance skills
• Excellent written and verbal communication skills to explain complex programs to buyers
• Knowledge of financial compliance requirements
• Analytical and problem-solving skills to help customers find a good deal that fits their financial situation
• Advanced negotiation skills to help customers find the best rate
• Strong sales and closing skills to boost sales for the dealership
• Automobile industry experience and knowledge
• Leadership or training skills to educate the sales staff on the available programs

Finance & Insurance Manager at ISUZU WORLD (2022-07 – 2023-07)

Working closely with/ both the customers and the sales team to help drive new and used car sales, When working with customers, I interview the clients to understand their needs, ensures they complete applications correctly and advises them on the best solutions for their situation. I also help them fully understand all of the options, so they know what they’re agreeing to. Work closely with lenders and companies that provide extended warranties and other programs that car buyers might need.

Compliance is a large part of the job since all car loans and leases must meet financial regulations.

• Strong mathematical and finance skills
• Excellent written and verbal communication skills to explain complex programs to buyers
• Knowledge of financial compliance requirements
• Analytical and problem-solving skills to help customers find a good deal that fits their financial situation
• Advanced negotiation skills to help customers find the best rate
• Strong sales and closing skills to boost sales for the dealership
• Automobile industry experience and knowledge
• Leadership or training skills to educate the sales staff on the available programs

Business Development Office and Business Analyst (Commercial Asset Finance Enterprise) and Business Development Officer: Dealer/External (AVAF) at Absa Bank (2017-03 – 2021-08)

To achieve contracted sales performance objectives by: Managing and taking ownership of the implement of approved asset based finance transactions to both new and existing customers of ACBB generated. Through both segmented and execution of existing credit lines/leads with existing ACBB customers and maintaining a post-sale product relationship with these customers, while identifying further asset based finance opportunities in conjunction with the ACBB Relationship Executive. Achievement of Sales targets.

Manage dealer achievement of sales targets through use of incentive schemes and Management Information from internal and external sources. Facilitate and coordinate the delivery and take-up Of all approved deals through Service Level Agreement.

• Drive the dealer process along with gaining client signature on the contract prior to the delivery of the asset. Asset delivery can only take place after the pay-out, thus ensure all signed documentation is sent back to the fit for processing centre for dealer pay out with speed and accuracy.
• If there are documents missing from the final documentation sent through to the Business Processing Centre, follow up with the relevant stakeholder and forward the missing documents through to the Fit for Processing Centre.
• After the pay-out is made, receive and finalize all original documentation for submission through to the Fit for Processing Centre. Originals must be complete and in order prior to submission through to the Fit for Processing Centre where the client files will be finalized and set for archiving.

Vehicle and Asset Finance Specialist at Absa Bank (2015-02 – 2017-02)

• Work with the business development officer
• Responsible for all admin process linked to AVAF sales e.g. Confirm correctness of electronic applications done by the branch and the call centre and check the correctness of the documents
• Support with registration of Contracts
• Full ownership of the drive of file & Natis
• Update Notes on MIS & Classification
• Submit & Monitor pay outs
• Send Remittance advices to dealers
• Follow-up with the dealers and clients
• Handling calls and queries from clients and dealers
• Advice clients about the rates and the installments using ROEC etc.

Team Leader: Legal Recoveries off Balance Sheet Accounts at Absa Bank (2013-11 – 2015-01)

• Managing the team members
• Renewals of temps contracts
• Having interviews with staff members when they return back to work from sick leave
• Managing sign on register, sick leave forms, leave planner
• Ensure receipts of telephone report and compile private calls payment
• Changing of collector ID numbers
• Distribution of accounts amongst the team members
• Cleaning of mail
• Handling of difficult clients queries
• Handling of action line complaints
• Ensure quality check on the internal capability team
• Dealing with external and internal clients face to face and telephonically
• Approval of funds reversals to client’s accounts
• Adjustments of settled accounts
• Running of sms’s campaigns to get more settlements from clients
• Capturing and monitoring of daily stats
• Signing of settlement letters, paid up letters, arrangement letters and statements
• Mandate review and attending management meetings

Arrangement Specialist: AVCAF Off Balance Sheet Account/Central Approver Specialist at Absa Bank (2011-05 – 2013-10)

• Approval of different status legal transfers accounts up to R150,000.00
• Approval of funds transfer up to R50,000.00
• Working on different reports
• Written off Accounts, Early Settled contracts, expired term contracts
• Issue settlement letters to clients
• Attending of management’s meetings
• Making weekly plan for team members and capturing of daily statistics
• Make contract with clients and work on accounts allocated on a daily basis
• Making arrangements or settlement on all the accounts that are written off the new inflow and old flows on recoveries accounts
• Changing of the site codes and the ab numbers
• Handling queries: all queries must be resolved within 3 days of receipts
• Must update every single interaction with the customer via the OCS/PWORS (online Collection System) system. This included updates contact information as well as any changes in the customer’s personal/financial record AVAF (Absa Vehicle Asset Finance) specific to supply comment spread sheet monthly.

Collection Officer / 2nd In Charge/Debt Review Officer (Aval Department) at Absa Bank (2006-04 – 2011-02)

• To ensure the rehabilitation and Normalization of arrears Accounts to Limit potential bad debts
• To develop specific strategies for Customers in order to rectify arrears Accounts
• To ensure that out of order accounts are managed from Credit perspective
• The collector has the responsibility for all aspects relating to portfolio Management, delinquency control, to ensure the Holds, Collector ID and Site Code are imposed on debt counsel accounts
• Follow up on 17.1 Forms
• To ensure that the accounts from Collectors and from the Dialer are with Debt Counsel
• Work on default Accounts
• Normalize Accounts
• Work on Deceased Accounts
• Finalize the settled accounts ref them for finalization

Risk / Fraud Prevention Officer, Risk Management Department at Standard Bank (Head Office) (2004-06 – 2006-04)

• To support the Team Leader loss prevention with provision of effective loss prevention and fraud detection
• Undertake daily monitoring of reported incidents where the Bank and or customers could be faced with an operational loss through fraudulent activity on accounts
• Identify and escalate adverse trends affecting the Bank and provide appropriate guidance to avoid future necessary exposures
• Liaise with PRO management and staff on suspect transaction, Corresponding effect on service Excellence.

Accounts Officer/Data Capture/Law Costs Supervisor, Credit Retail Admin Division at Standard Bank (Head Office) (2001-01 – 2004-05)

• Capturing invoices on SAP for payments
• Capturing Journals
• Recoveries from Staff
• Payments of Indemnity Fees
• Payment of Business Cards
• Bank Reconciliation
• Handling daily banking
• Filing of invoices according to different cost Centres
• To capture all payments at Attorneys in ACCPAC system
• Faxing of remittance advice to Attorneys
• To capture all Attorneys invoices on SAP system
• 2nd in Charge in Law Cost department

Deceased Estate Clerk, Credit Bureau Clerk and Administration Clerk, Debt Collector, Legal Department at Standard Bank (Head Office) (1997-05 – 2000-12)

• Debt Collection
• Customer Service
• Tracing of Customers
• Handling daily queries
• Communicating with Trustees
• Typing of letters
• Handling daily mail
• Capturing and Checking work list and exception reports
• Handling of incoming Calls
• Removals from I.T.C.

National Certificate in Banking – Bank Seta (2018)

Programme In Forensic and Investigative Auditing in Fraud Prevention

• Fraud Detection
• Fraud Investigation
• Forensic and Investigative Audit Reporting – University of South Africa (Unisa) (2011)

Certificate in Sap Courses: Master data and Responsibility

• Employee Recoveries and Reimbursement
• Accounts Payable Invoice Processing
• Accounts Receivable Processing
• Bank Reconciliation
• Common G/L
• Transfer Accounting
• General Ledger
• Capex
• Staff Costing and Balance Sheet – Standard Bank (2001-2002)

Certificate in Business English Course: Personal Development

• Business Etiquette
• Listening Skills
• Voice Training
• Building Self Esteem
• Stress Management
• Telephone Techniques – Milpark Business College (1998)

Business Matric / Higher Diploma in Business Studies: Business English

• Business Methods
• Principles of Supervision
• Basic Accounting 1
• Basic Accounting 2
• Business Calculations;

Introduction to Law

• Basic Business Principles – Institute of Business Studies (2000)